Sorry if I was unclear and thank you for your advise.
To clairfy, mother in laws house was in my wifes name. We listed it as property that we owned when we purchased the house that my wife currently lives in with the kids. I never had claim to the house, nor do I want to make any claim to it. When I consulted my attorney (bankrupsy) he didn't mention this, and I don't believe I did either so it wasn't an issue. (If he did ask if I owned other property I would have said no because I never considered it "my" property.) My wife was told that they can go after her parents house if I file full bankruptsy. The property that was just in her name is no longer in her name and I signed dower rights away to a property that was not mine. Is this true?
I don't understand what you mean when you say...That is, you may be able to resolve your debts to the creditors through bankruptcy, but you could still end up having to pay the (otherwise discharged) balance to your wife.
Does this mean that my wife is responsible for my debt? Unfortunatly I don't have enough money to pay for 2 seperate lawyers, I was hoping to agree to dissolusion as she has agreed to stay in the house, make the payments, etc. We are not enemies and I don't think she would do anything to make things worse for me than I already have. The bank. lawyer that I hired said that they would not go after the house she is living in because there is no equity in it, as with the car that our names share on a loan. I just need help in which way to file, ch 13 or 7. I have retained a lawyer already to stop the creditors from calling but would like to get this out of the way so I can regain my life back
Thank you for your help, I do appreciate it.

